How You Can Dispute Credit Report Errors Detected
Credit reports are not perfect by any stretch, which is exactly why you need to know how
you can dispute credit report errors detected while pulling that important credit rating
Credit reports are the be-all and end-all for someone who wants to do anything with their
finances. Purchasing a home, buying a car, even renting an apartment can all hinge on your
ability to have a good credit score.
With so many credit report options out there, errors can pop up, which is why you need to
be able to dispute credit report errors if they arise. In this situation cre credit services can
The first step is to actually start with your credit report from one of the three major credit
bureaus, Experian, TransUnion, or Equifax.
Once you have your credit report, analyze it for any errors that you see, maybe a credit card
balance that does not make sense, or a late pay claim that did not happen.
Once you have that credit report and are ready to dispute credit report errors, you need to
compose a written complaint.
Once the written complaint or dispute is composed, supply with it all of the supporting
documentation that you have to show that it is false.
The credit bureau will forward the information to the lender, or wherever the error
originated to work through the problem. If you want to keep the ball in your court, you can
send along the issues to the creditor on your own as well.
If you go to the TransUnion, Equifax, or Experian site, you will find addresses where you
can send in your dispute information and supporting documentation.
Remember the key is to always realize that those credit reports may not be perfect.
Lenders can make mistakes, and there is always the chance that someone stole and utilized
your identity, to the detriment of your credit score in the long run.